We can explain how to customize your health insurance coverage.

 

In today's market, there are more insurance options available to individuals and families than ever before. Health insurance will help protect you should you incur unexpected medical expenses that could otherwise be financially devastating. Dental insurance is available to help keep your pearly whites at their absolute best. Vision coverage will help pay for routine eye exams as well as glasses and contact lenses. If you are looking for a health insurance agent near me in Redding, you need look no further. Just click on any of these links to find out more about the benefits that are perfect for you.


 
 

Find out if your doctor is included in a plan you are considering:


SOME OF OUR MOST ASKED QUESTIONS:

Do I even need to get insurance?

The Affordable Care Act requires all individuals to have health insurance.  If an individual does not have coverage they will face tax penalties at the end of the year.  This could be a flat amount of $95.00 per person or 1% of their income for 2014, whichever is greater.  These amounts will increase each year.  For more details, please contact your tax advisor.

 

If I can apply for insurance on my own, why should I use Shasta Health?

Navigating each company’s website and trying to find the best plan for your situation can be a very overwhelming task!  There are so many variables that can significantly change your premium, coverage, and even whether you qualify at all.  It doesn't cost you any more to have the Redding Health Insurance agents at Shasta Health as your broker, and we understand all the “in's and out's” of the many options and can help you understand how these factors impact your decision.  In addition, as your broker we will be able to help you in the long term—whether you have claims questions or billing issues, we can make the process much easier.

 

Which insurance companies does Shasta Health work with for individual health insurance?

We are independent brokers representing most insurance carriers in California, such as: Anthem Blue Cross, Blue Shield of California, Kaiser Permanente, HealthNet, and many more. We are also fully certified Covered California agents and offer all the plans available in that program.

 

Can I change my plan?

Yes, you may change your plan each year during the open enrollment period.

 

I already have individual insurance.  Can I appoint Shasta Health Insurance Services, Inc. in Redding as my agent?

We would be happy to discuss your current coverage with you and help you decide if you’re adequately covered or need to make some changes.  In most cases, you can appoint us as your agent with just a simple form.

 

If you have questions or would like to make an appointment, call the experienced Redding Health Insurance agents of Shasta Health at 530-722-0770, fill out our contact form, or email us at  marci@shastahealthinsurance.com.  

 

Are there different types of individual insurance?

There are many different options for individual insurance. There are PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), HSAs (Health Savings Accounts), and more.  Depending on your needs and budget, we can help you determine which type of plan works best for you and your family.

 

Is health insurance expensive?

That’s a difficult question because the rates vary based on age, geographic area, income, and other factors.  The most affordable plan is called the “Bronze” plan.  Whether this is purchased as a Covered California plan or directly through a private insurance carrier, this plan is going to be the least expensive which is reflected in the benefits.  The more benefits offered, the more expensive the plan will be.

 

What is a health savings account (HSA)?

If you have a high deductible plan that is compliant with IRS regulations you can contribute to a health savings account (HSA).  Contributions to an HSA can usually be made with “pre-tax” dollars.  Contribution amounts are limited.  Please consult your tax advisor for more details.  You have the ability to use the funds from this account to pay for qualified expenses so you are essentially using pre-tax dollars to pay for your qualified health costs.

 

Am I guaranteed health insurance when I apply?

As long as you are applying during the open enrollment or within 60 days of a “qualifying life event” your eligibility is guaranteed.  If neither of these applies to you there are still plans available but they are subject to medical underwriting.

 

What is a “premium subsidy?”

A premium subsidy or “advance tax credit” is available through the Covered California program.  It is an amount paid by the government directly to the insurance company to reduce the amount you have to pay for your insurance.  The amount of premium subsidy available depends on many things such as income, age, and number of people in the household. If you qualify for a subsidy based on your income, your premiums can be dramatically lower.

If you think you may qualify for a subsidy, click here.